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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,752 | $95,453-29.0% | $112,040-39.5% | $82,448-17.8% |
| Participation rate | 94.6% | 72.8%+21.8pp | 76.5%+18.1pp | 68.1%+26.5pp |
| Annual return | 15.13% | 23.92%-8.8pp | 24.52%-9.4pp | 41.64%-26.5pp |
| Employer contribution / active EE | $3,044 | $2,318+31.3% | $2,954+3.1% | $2,551+19.3% |
| Participant deferral / active EE | $7,511 | $4,224+77.8% | $5,098+47.3% | $4,139+81.5% |
| Admin fee / account holder | $1,293 | $9,013-85.7% | $12,098-89.3% | $7,234-82.1% |